Answers to your insurance questions

Alberta's Superintendent of Insurance has asked that brokers and agents distribute this information to their clients. We have added a few comments in italics. Do keep in mind that this declaration from the Superintendent's office has the following disclaimer, "This information is NOT a legal document and does NOT modify or replace your automobile insurance policy. For more information on your specific situation, speak to your insurance agent, broker, or company representative."

We also recommend that you print off this Collision Report form and keep a copy of in your vehicle. Even if your insurance company is not Alberta-based this will be helpful when you are under stress.

Tips to remember

STOP
If your vehicle is involved in a collision and you don’t stop, you may be subject to demerit points or criminal prosecution.

CALL 9-1-1

If anyone is seriously injured, or

If you suspect any other driver may be guilty of a Criminal Code offense, such as impaired driving.

If the police come to the scene, ask for a copy of their report or the file number they have assigned to it.

Check with your agent or broker to confirm the type of coverage you have shown on your policy file. (Turner's Tips asks you to remember that only the insurance company adjuster can confirm or deny coverage under your policy.)

Your insurance company is in business to pay claims. Your adjuster should treat you with respect and courtesy. Working with the insurance company for a quick resolution of your claim is always the best attitude to take. If you do run into a problem then you can call upon your broker or agent. Remember that your broker can not make claims decisions but they can help you achieve claims fairness.